Pick the service that matches your situation, enter approximate figures, and see an illustrative fee. This is a planning tool - your final fee is documented in the signed engagement letter.
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Estimated fee
What's in each service
Ongoing planning + advice
Full-service wealth management
Before any engagement begins we hold a 90-minute discovery meeting ($499, credited back if you engage within 90 days). The discovery meeting is where we confirm which service fits and what your fee will be.
Seven questions to help estimate where your engagement might price. The fee depends on the complexity of your situation - there's no penalty for higher complexity; it just reflects more hours of work.
Your responses
We are a fee-only Registered Investment Adviser. We do not earn commissions, do not sell products, and do not receive compensation from anyone other than our clients. Our fees are disclosed on Form ADV Part 2A Item 5, which we will share before any engagement.
Current estimator services and fee structures
Our three published services are Sailor, Settler, and Founder. Each has a transparent fee structure. The estimator on this page mirrors what is disclosed on Form ADV Part 2A Item 5 (filed October 2, 2026, dated October 2, 2026).
- Sailor $2,500/quarter ($10,000/year), plus an advisement fee on aggregated advised assets (0.35%/year on investment assets, 0.15%/year on other assets; first $1,000,000 included, applied to investment assets first). $10,000 annual minimum. Initial engagement fee $3,500 to $6,000.
- Settler a blended asset-management tier: 1.00% on the first $1,500,000, 0.70% from $1,500,001 to $3,000,000, and 0.50% above $3,000,000. $15,000 annual minimum. Plus an advisement fee on additional advised assets (0.35%/year on investment assets, 0.15%/year on other assets; first $1,000,000 included, applied to investment assets first). Initial engagement fee $3,500 to $6,000.
- Founder $20,000 annual minimum, initial fee $7,500 to $15,000, available for agreements signed on or after October 1, 2026
Household ceiling. For Sailor, Settler and Founder, the total ongoing fee will not exceed $50,000 per year. The ceiling is applied last, after all other fee components (including the minimum) are calculated.
What is included & what is not
Each service has its own scope. Founder is an ongoing package: everything in Settler plus business-owner planning, $20,000 annual minimum. Sailor includes ongoing planning and advice on your accounts but does not include discretionary investment management or tax preparation as a bundled service. Settler includes US and Spain tax coordination, financial planning, and discretionary investment management.
How we charge and when
Quarterly, in advance. Ongoing fees are billed quarterly in advance based on the account value at the last business day of the previous quarter. The first invoice is prorated from the engagement start date. Upon termination, any unearned fees are refunded prorata.
How payment is collected. Fees for the Sailor, Settler and Founder Packages are billed quarterly in advance, at the start of each quarter, based on the value of the billed assets as of the last business day of the preceding quarter. Where the client has authorized it in writing, the fee is deducted from the client's account at the custodian; otherwise it is invoiced through the firm's billing platform.
Frequently asked questions
Are fees negotiable?
Could I find lower fees elsewhere?
How does the advisement fee work?
Is there a cap on what I pay?
Is there a minimum engagement term?
What is the discovery meeting fee, and how does it work?
What is the 48-hour rule?
Are you a fiduciary?
Where can I see your full disclosures?
Required disclosures
Fees are negotiable. Fees may vary based on the complexity, scope of services, and client circumstances of your engagement.
Lower fees may be available elsewhere. Lower fees for comparable services may be available from other sources.
Registration disclaimer. Cross Border Wealth Advisors is a doing-business-as name of Gersten Financial Planning Inc., a California state-registered investment adviser (CRD 309890). Registration does not imply a certain level of skill or training.
Advised-asset conflict of interest. Charging fees on aggregated advised assets creates a conflict of interest, as the firm has an incentive to recommend that clients include more assets under advisement. Clients are under no obligation to include any accounts and may exclude assets at their discretion.
Household ceiling. The total ongoing fee will not exceed $50,000 per year for a household. The ceiling is applied after all other fee components are calculated.
Estimates only. The figures on this page are illustrative. Your final fee is documented in the signed engagement letter.
Not a recommendation. This page is not investment, tax, or legal advice and is not a recommendation to engage. It is informational only.
Brochure delivery / 48-hour rule. Unless you have received the firm's Form ADV Part 2A at least 48 hours before signing, you may terminate within 5 business days of signing without penalty.
Fiduciary commitment. CBWA acts in a fiduciary capacity and adheres to the CFP Board Code of Ethics and Professional Responsibility.
No performance guarantee. Past performance does not guarantee future results. All investing involves risk including loss of principal.